Astonishing but true, the vast majority of consumers kept buying from the same company for four years or more, and almost 40% of drivers have never quoted rates to find cheap coverage. Chandler consumers could cut their rates by approximately $733 a year just by comparing rates, but they assume it’s a waste of time to compare rates.
The recommended way to get cheaper auto insurance rates in Chandler is to do an annual price comparison from providers that insure vehicles in Arizona.
- First, get a basic knowledge of how companies set rates and the things you can change to prevent rate increases. Many rating criteria that cause rate increases such as at-fault accidents, careless driving, and a not-so-good credit rating can be rectified by making minor driving habit or lifestyle changes.
- Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple sources.
- Third, compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
- Fourth, notify your agent or company to cancel the current policy and submit payment along with a signed and completed policy application to the new insurer. Immediately store the certificate verifying proof of insurance in an easily accessible location in your vehicle.
One thing to remember is that you use the same amount of coverage on each quote and and to get price estimates from every insurance company. Doing this provides a fair rate comparison and the best price selection.
Affordable companies for Saab 9-3 insurance in Arizona
The companies in the list below provide quotes in Chandler, AZ. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
Auto insurance statistics for a Saab 9-3
The premium table displayed next highlights a range of insurance coverage prices for Saab 9-3 models. Being able to understand how insurance premiums are calculated is important to be able to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $180 | $356 | $344 | $20 | $102 | $1,002 | $84 |
| 9-3 2.0T Station Wagon | $180 | $356 | $344 | $20 | $102 | $1,002 | $84 |
| 9-3 2.0T XWD 4-Dr Sedan | $180 | $356 | $344 | $20 | $102 | $1,002 | $84 |
| 9-3 Aero 4-Dr Sedan | $200 | $410 | $344 | $20 | $102 | $1,076 | $90 |
| 9-3 2.0T 2-Dr Convertible | $200 | $410 | $404 | $24 | $122 | $1,160 | $97 |
| 9-3 2.0T XWD Station Wagon | $200 | $410 | $344 | $20 | $102 | $1,076 | $90 |
| 9-3 Aero Station Wagon | $200 | $410 | $344 | $20 | $102 | $1,076 | $90 |
| 9-3 Aero XWD 4-Dr Sedan | $200 | $410 | $344 | $20 | $102 | $1,076 | $90 |
| 9-3 Aero 2-Dr Convertible | $220 | $464 | $404 | $24 | $122 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in garaging location in Chandler which can influence price quotes noticeably.
Deductible analysis
When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The comparison tables below may aid in understanding the difference in cost when you choose different comp and collision deductibles. The first set of rates uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| 9-3 2.0T Station Wagon | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| 9-3 2.0T XWD 4-Dr Sedan | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| 9-3 Aero 4-Dr Sedan | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 9-3 2.0T 2-Dr Convertible | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| 9-3 2.0T XWD Station Wagon | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 9-3 Aero Station Wagon | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 9-3 Aero XWD 4-Dr Sedan | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| 9-3 Aero 2-Dr Convertible | $358 | $716 | $300 | $18 | $90 | $1,507 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| 9-3 2.0T Station Wagon | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| 9-3 2.0T XWD 4-Dr Sedan | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| 9-3 Aero 4-Dr Sedan | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 9-3 2.0T 2-Dr Convertible | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| 9-3 2.0T XWD Station Wagon | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 9-3 Aero Station Wagon | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 9-3 Aero XWD 4-Dr Sedan | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| 9-3 Aero 2-Dr Convertible | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific garaging location which can alter coverage prices greatly.
We can estimate from the data above that using a $100 deductible could cost the average driver approximately $38 more each month or $456 each year than opting for the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 24 months between claims, you would come out ahead if you opt for a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $110 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One important caveat is that a higher deductible level means you will have to cover more of the damage yourself at claim time. You will want to have some money saved in order to pay the higher deductible in order to repair your vehicle.
The information below shows how choosing a deductible and can raise or lower Saab 9-3 insurance costs for different categories of driver ages. The data assumes a single female driver, full coverage, and no discounts are applied to the premium.
Safe drivers pay less for auto insurance
The illustration below highlights how traffic violations and at-fault accidents impact Saab 9-3 premium costs for different age groups. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Rate comparison of full coverage and liability-only
The diagram below illustrates the comparison of Saab 9-3 insurance costs with and without physical damage coverage. The rates are based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no definitive formula for eliminating comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Saab 9-3 replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after paying your policy deductible. If you are paying over $800 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are a few situations where only buying liability is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Saab 9-3 Insurance Premiums Can Be More Affordable
Part of the car insurance buying process is learning some of the things that help determine your car insurance rates. If you understand what determines premiums, this enables informed choices that can help you get lower rates.
The factors shown below are some of the things car insurance companies consider when setting your rates.
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How old are your drivers? – Drivers with little experience have a tendency to be easily distracted when at the wheel of a vehicle so car insurance rates are higher. More experienced drivers are shown to be more cautious, cause fewer claims and accidents, and usually have better credit.
The next chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
- Liability is peace of mind – Liability insurance will protect you if you are ruled to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court to defend your case. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
- Deter car thieves – Buying a car that has an advanced theft prevention system can earn a premium discount. Theft prevention features like OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
- Never let your car insurance expire – Having an insurance coverage lapse can be a sure-fire way to pay more for car insurance. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a license revocation or jail time.
Get cheaper Saab 9-3 insurance in Chandler with discounts
Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so the following is a list of some of the best known as well as some of the hidden ways to save on car insurance. If you do not double check each discount you deserve, you are just wasting money.
- Multiple Policy Discount – When you combine your homeowners and auto insurance with one company you could earn a discount of up to 20% off your total 9-3 insurance premium.
- Early Switch Discount – Some companies give discounts for signing up prior to your current 9-3 insurance policy expiring. This can save 10% or more.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
- Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Driver Safety – Successfully completing a class that teaches safe driver techniques may get you a small discount if your company offers it.
- Active Military Service – Being on active duty in the military could be rewarded with lower premium rates.
Policy discounts save money, but many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The information below shows the difference between Saab 9-3 car insurance rates with and without discounts applied. The premiums are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.
To choose car insurance companies who offer free Saab 9-3 insurance quotes in Chandler, click this link.
Car insurance agents can help
A small number of people just prefer to get advice from a local agent and that is recommended in a lot of cases One of the best bonuses of comparing rate quotes online is that you can find cheap auto insurance quotes but still work with a licensed agent.
To help locate an agent, after submitting this short form, the quote information is sent to companies in Chandler who will give you bids for your insurance coverage. There is no reason to find an agent because prices are sent immediately to you. You’ll get the best rates and a licensed agent to talk to. If you want to get a rate quote for a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Selecting an insurer shouldn’t rely on just a cheap price. These are some valid questions you should ask.
- Does the agency support the community they serve?
- How would your car be valued if totaled?
- Do they receive special compensation for putting your coverage with one company over another?
- How will an accident affect your rates?
- Is assistance available after office hours?
- Who is covered by the car insurance policy?
- Do you work with a CSR or direct with the agent?
Two different types of car insurance agents
If you are searching for a reputable agency, there are two different types of agencies to choose from. Auto insurance agents in Chandler are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can usually just insure with one company such as Allstate, State Farm and Farm Bureau. They are unable to provide other company’s prices so it’s a take it or leave it situation. They are well schooled on their company’s products which aids in selling service over price. Consumers sometimes use the same agent mainly due to the brand legacy and solid financial strength.
Shown below is a short list of exclusive agencies in Chandler that can give you rate quotes.
- Farmers Insurance – Larry Little
2420 W Ray Rd #2 – Chandler, AZ 85224 – (480) 966-9449 – View Map - Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map - Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map
Independent Auto Insurance Agents
Agents that elect to be independent can quote rates with many companies so as a result can place your coverage amongst many companies and find you the best rates. To transfer your coverage to a different company, they can switch companies in-house and you won’t have to switch agencies. When comparing auto insurance rates, we recommend you compare prices from independent agents in order to have the best price comparison. Many can place coverage with companies that do not advertise much that may have much lower rates than larger companies.
Listed below are independent agencies in Chandler that can give you price quotes.
- 1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 – View Map - Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056 – View Map - Nationwide Insurance Chandler
2040 S Alma School Rd #1 – Chandler, AZ 85286 – (480) 822-7100 – View Map
Compare but don’t skimp
Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, an unsatisfactory settlement offer or even not issuing a premium refund. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.
You just learned many tips how you can save on Saab 9-3 insurance in Chandler. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with some of the smallest insurance companies.
When you buy Chandler auto insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.
More information
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- How Much is Car Insurance for Infrequent Drivers in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance for a Toyota Camry in Chandler? (FAQ)
- How Much is Auto Insurance for Active Military in Chandler? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)
- Distracted Driving (Insurance Information Institute)